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May 5, 2024
6:01
:43
pm
Tokolosh
Stop the Stupid party member
If you have the ability to let it go or replace it without needing an insurance check...
and if you don't have any financing left you can start the analysis.
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Tokolosh
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Tokolosh
Joined
Jun 9, 2004
Last login
May 18, 2024
Total posts
60,668 (5,670 FO)
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Messages
Author
Time
How do you decide when to go from full auto insurance to liability?
chismoso
May 5, 5:55pm
If you have the ability to let it go or replace it without needing an insurance check...
Tokolosh
May 5, 6:01pm
I think the driver of the car matters here. If it's a 16 year old's car, then full coverage. They are much more likely
HarlemCoug
May 5, 6:01pm
Yes but full coverage for a 16 year old is also way more expensive
cougarfann888
May 5, 6:14pm
My 17 yr old totaled his car last month. I'm glad we had full coverage.
HarlemCoug
May 5, 6:48pm
RE: How do you decide when to go from full auto insurance to liability?
Tare
May 5, 6:02pm
When suddenly losing the vehicle wouldn't cause you financial pain
Cougar Junkie
May 5, 6:03pm
If you’re comfortable replacing the car with your own cash and taking the risk the driver might total it, go for it.
SierraCoug
May 5, 6:08pm
Thanks for the advice. Before covid I would have already moved to liability
chismoso
May 5, 6:09pm
When the deductible gets close to the value of the car.
ochobeeguy
May 5, 6:18pm
The day the car is paid off.
misterpepper
May 5, 6:39pm
Depends. I had a newer Escalade paid off that I carried full coverage on but
Big Daddy D
May 5, 6:45pm
When I live in a deer free zone
Chicago Cougar
May 5, 7:14pm
I totaled my car 2 weeks after going to liability only. It was still worth 5K. I
qwerew
May 5, 8:16pm
When the value of the car is less than the annual difference between full and liability
BYU Grounds
May 7, 3:01pm
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